¿Qué conviene más, afiliarse a una AFP o a la ONP? Diferencia entre ambas con tabla comparativa

Following the enactment of Law No. 32123, Peru's recent pension system reform has modified the conditions for accessing a minimum pension while aligning certain elements between the public National Office of Pensions (ONP) and private Pension Fund Administrators (AFPs).

The legislative changes establish a new reference amount of S/ 60 for the minimum pension under the overhauled system framework.

Public interest and media coverage have focused on comparing the structural differences between the two pension schemes to help contributors determine which affiliation is more advantageous following the reform.